Meet the Loan Officers

Cliff Kieser(NMLS #1108380)

I have been in banking for over 30 years. I have worked with a variety of business clients which gives me the experience to provide solutions to your financial needs allowing your business to save money and time. I strive to provide quality service and build client relationships by providing proactive solutions that reflect an understanding of your business and personal needs. By partnering with other experts at The Harvard State Bank on personal and business issues, I can offer products and services to assist you in reaching your financial goals.

Tom Raine (NMLS #261298)

I bring over 18 years in the mortgage lending industry. Prior to joining The Harvard State Bank team, I learned mortgage lending through hard work and dedication. I have worked in all aspects of the business from underwriting to owning and operating a mortgage company for 12 years. My goal is to build strong, long lasting relationships with my customers by being a part of their lives even after the transaction is complete. I judge my success by my customers' successes. I have established myself as a "Go To" person with Realtors and other lending partners throughout the area and country. In my spare time I enjoy coaching sports and spending time with my wife and 2 children.

Mary Manning﻿(NMLS #1393137)

I am a career banker who joined The Harvard State Bank in early 2013 with over 30 years of experience and over 20 years in commercial lending. My knowledge and experience includes a vast majority of commercial loans including commercial real estate and SBA financing. I enjoy working with businesses and take great pride in establishing business partnerships by providing personal, professional service in commercial loan financing as well as ensuring that existing commercial customers' financial needs are continually met.I am an active member of The Geneva Lake Area Chamber of Commerce. I also serve on numerous community and professional related Boards and Committees.

Stephen Robson

I bring over 12 years of banking experience to The Harvard State Bank. My background in commercial banking includes an in-depth knowledge of Asset-Based Lending, Equipment Finance, Commercial Real Estate Lending, and Commercial and Industrial Lending. As a combat veteran, I value loyalty, integrity, and hard work. It is these core tenants that I bring to my career in banking as I seek to develop relationships built on trust and personal attention. My lovely wife and I live in Crystal Lake with our young daughter, who is a rambunctious toddler and keeps us on our toes. We are active in our local church and enjoy volunteering with charitable organizations. My goal is to fully understand the unique needs of every client in order to provide them with the best service possible. Allow me to partner with you and let’s work together to make your financial goals a reality.

Melissa Miller (NMLS #486645)

Mortgage Lending Officer- The Harvard State Bank, Rockford

I bring over 15 years of experience in the mortgage lending industry. Prior to joining The Harvard State Bank team, I gained experience by working in many aspects within the mortgage industry. I worked at a title company before becoming a Mortgage Loan Processor, Loan Officer and most recently a Loan Production Supervisor. My goal is to build lasting relationships with my customers throughout their lives and be there after the loan closes. In my spare time I love spending time with my daughter.

2470 Eastrock Drive

Rockford IL 61108

Cell: (779) 771-3001

Office: (815) 887-9015

Marty Grant (NMLS #652521)

Mortgage and Small Business Lending Officer- The Harvard State Bank, Oregon

Working with customers to achieve their dream of home ownership is my passion. I bring over 15 years of experience in banking and mortgage lending, and it is soexciting to assist people through this process to achieve their personal and smallbusiness goals. I will work with you to determine the right product, helping makelife that much more enjoyable in your new home or business. When the time comesfor remodeling, or other expenses, we will look at how The Harvard State Bank canhelp you. I believe my success comes from my customers’ satisfaction and by theirreferring friends and family to me. I live in Byron with my wife and 2 children, ama member of Rotary and enjoy sports, especially watching my kids play! Call or stopin our Oregon office- let’s get you started on that dream!